ILCS » Chapter 815 · Act 605
Illinois Compiled Statutes

815 ILCS 605/2 (2026)

The General Assembly finds and declares that:     (a) The ability to obtain and use credit has become of great importance to consumers who have a vital interest in establishing and maintaining their credit worthiness and credit standing

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(815 ILCS 605/2) (from Ch. 121 1/2, par. 2102)
    Sec. 2. The General Assembly finds and declares that:
    (a) The ability to obtain and use credit has become of great importance to consumers who have a vital interest in establishing and maintaining their credit worthiness and credit standing. As a result, consumers who have experienced credit problems may seek assistance from credit service businesses which offer to improve the credit standing of such consumers. Certain advertising and business practices of some companies engaged in the business of credit services have worked a financial hardship upon the people of this State, often on those who are of limited economic means and inexperienced in credit matters.
    (b) The purpose of this Act is to provide prospective consumers of credit services companies with the information necessary to make an informed decision regarding the purchase of those services and to protect the public from unfair or deceptive advertising and business practices.
(Source: P.A. 85-1384.)

    
Notes of Decisions
Cited in 6 cases, 2000–2011 · leading case: Midstate Siding & Window Co. v. Rogers, 789 N.E.2d 1248 (Ill. 2003).
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Midstate Siding & Window Co. v. Rogers, 789 N.E.2d 1248 (Ill. 2003). · cites it 6× “Section 2 of the Credit Services Act (815 ILCS 605/2 (West 1996)) provides in part: "(a) The ability to obtain and use credit has become of great importance to consumers who have a vital interest in establishing and maintaining their credit worthiness and credit standing.”
Midstate Siding & Window Co. v. Rogers, 722 N.E.2d 1156 (Ill. App. Ct. 3d Dist. 2000). · cites it 6× “In order to be covered by the Act, a party must represent: "with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, * * * that the [party] can or will * * * (i) improv[e] a buyer's credit record, history, or…”
Cannon v. William Chevrolet/Geo, Inc., 794 N.E.2d 843 (Ill. App. Ct. 1st Dist. 2003). “” 815 ILCS 605/2 (West 1998). Thus, the Credit Services Act is aimed at remedying problems encountered by consumers who have poor credit and seek to establish and maintain credit worthiness and credit standing.”
Greene v. CCDN, LLC, 853 F. Supp. 2d 739 (N.D. Ill. 2011). “Like the CROA, the IC-SOA was intended to “provide prospective consumers of credit services companies with the information necessary to make an informed decision regarding the purchase of [credit repair] services and to protect the public from unfair or deceptive advertising and…”
Midstate Siding & Window Co. v. Rogers, No. 89059 Rel (Ill. Apr. 24, 2003). · cites it 3× “Section 2 of the Credit Services Act (815 ILCS 605/2 (West 1996)) provides in part: “(a) The ability to obtain and use credit has become of great importance to consumers who have a vital interest in establishing and maintaining their credit worthiness and credit standing.”
Cannon v. William Chevrolet/Geo, Inc., No. 1-01-3332 Rel (Ill. App. Ct. 1st Dist. June 26, 2003). “" 815 ILCS 605/2 (West 1998). Thus, the Credit Services Act is aimed at remedying problems encountered by consumers who have poor credit and seek to establish and maintain credit worthiness and credit standing.”
815 ILCS 605/2(a): 3 cases
Midstate Siding & Window Co. v. Rogers, 789 N.E.2d 1248 (Ill. 2003). “Section 2 of the Credit Services Act (815 ILCS 605/2 (West 1996)) provides in part: "(a) The ability to obtain and use credit has become of great importance to consumers who have a vital interest in establishing and maintaining their credit worthiness and credit standing.”
Midstate Siding & Window Co. v. Rogers, 722 N.E.2d 1156 (Ill. App. Ct. 3d Dist. 2000). “In order to be covered by the Act, a party must represent: "with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, * * * that the [party] can or will * * * (i) improv[e] a buyer's credit record, history, or…”
Midstate Siding & Window Co. v. Rogers, No. 89059 Rel (Ill. Apr. 24, 2003). “Section 2 of the Credit Services Act (815 ILCS 605/2 (West 1996)) provides in part: “(a) The ability to obtain and use credit has become of great importance to consumers who have a vital interest in establishing and maintaining their credit worthiness and credit standing.”
815 ILCS 605/2(b): 3 cases
Midstate Siding & Window Co. v. Rogers, 789 N.E.2d 1248 (Ill. 2003). “Section 2 of the Credit Services Act (815 ILCS 605/2 (West 1996)) provides in part: "(a) The ability to obtain and use credit has become of great importance to consumers who have a vital interest in establishing and maintaining their credit worthiness and credit standing.”
Midstate Siding & Window Co. v. Rogers, 722 N.E.2d 1156 (Ill. App. Ct. 3d Dist. 2000). “In order to be covered by the Act, a party must represent: "with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, * * * that the [party] can or will * * * (i) improv[e] a buyer's credit record, history, or…”
Midstate Siding & Window Co. v. Rogers, No. 89059 Rel (Ill. Apr. 24, 2003). “Section 2 of the Credit Services Act (815 ILCS 605/2 (West 1996)) provides in part: “(a) The ability to obtain and use credit has become of great importance to consumers who have a vital interest in establishing and maintaining their credit worthiness and credit standing.”
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